The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$36,613
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,752
−HK$1,157/mo
Today · 4.125%
HK$38,909
baseline
▲ 0.50% · 4.625%
HK$41,277
+HK$2,368/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,818/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,732
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,824
−HK$1,108/mo
Today · 4.125%
HK$42,932
baseline
▲ 0.50% · 4.625%
HK$45,195
+HK$2,263/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,864/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,936
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,302
−HK$1,389/mo
Today · 4.125%
HK$46,691
baseline
▲ 0.50% · 4.625%
HK$49,532
+HK$2,841/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,382/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$602,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,878
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,189
−HK$1,330/mo
Today · 4.125%
HK$51,519
baseline
▲ 0.50% · 4.625%
HK$54,234
+HK$2,715/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$103,038/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$602,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,258
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,853
−HK$1,620/mo
Today · 4.125%
HK$54,473
baseline
▲ 0.50% · 4.625%
HK$57,787
+HK$3,314/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$108,946/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,024
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,554
−HK$1,551/mo
Today · 4.125%
HK$60,105
baseline
▲ 0.50% · 4.625%
HK$63,274
+HK$3,169/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$120,210/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,904
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,954
−HK$2,082/mo
Today · 4.125%
HK$70,036
baseline
▲ 0.50% · 4.625%
HK$74,298
+HK$4,262/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$140,072/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,317
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,283
−HK$1,995/mo
Today · 4.125%
HK$77,278
baseline
▲ 0.50% · 4.625%
HK$81,352
+HK$4,074/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$154,556/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,122 · Scale 2, in force from 26 Feb 2026)